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Switching to a Major Carrier The big three carriers will often pay your ETF and the remaining value of the device as a trade-in. The real question is whether or not you can keep your phone at your new carrier. This depends completely on their regulations and the network.

If you plan to upgrade to the newest model every year or so, leasing may be right for you. You'll have lower monthly payments than you would for buying a phone, and you can get an upgrade later with similar terms.

Any outstanding balance must be paid in full before switching carriers. How much you owe depends on a number of factors including payments left on devices, current account balance, billing promotions, and trade-in value of phones you may be willing to sell to the carrier.

Leasing a phone is similar in concept to monthly installments, as you pay a specified amount per month—the main difference between the two is that you won't keep the phone at the end of a lease, whereas the phone is yours when paid for through monthly installments.

T-Mobile Carrier Freedom. Bring your eligible phone with you and we'll reimburse your remaining phone payment balance when you switch from select carriers (including Verizon and AT&T) to T-Mobile – up to $800/line (up to 5 lines) via virtual prepaid card.

Leasing a smartphone offers the benefit of being able to upgrade to the latest models regularly without incurring contract fees. Keeping a smartphone at the end of a lease term may require paying a buyout fee to purchase it.

T-Mobile Carrier Freedom. Bring your eligible phone with you and we'll reimburse your remaining phone payment balance when you switch from select carriers (including Verizon and AT&T) to T-Mobile – up to $800/line (up to 5 lines) via virtual prepaid card.

T-Mobile and Verizon are now willing to pay your early termination fee or part of your remaining phone payment balance when you switch networks (check each provider's website for details).